Manufacturing, Service, Wholesale, Retail, Commercial Real Estate, Agri-Business

Many of the same ratios that are key to agriculture lending also apply to commercial credit.  However, the source of the numbers is different and they are often calculated differently.  With Country Banker, your lenders use the same tool in both cases and can easily retrieve and enter data due to the consistent system. You establish your own unique Commercial lending approach; which ratios to use, which trends to monitor and how to weight them for risk rating, but the tool is the same.